Auto Insurance Requirements For California Motorists – Savings Suggestions
Do you know the top ten cars that are stolen in California? Do you have one for yourself? Please see to it that you become aware of which ones are on the list. Do you know that it is quite possible your insurance rates can be affected if you own such a vehicle. Below you will find a record of the ten most stolen cars. Let’s hope yours is not one of them.
Southern California Automobile Insurance Data – California’s Ten Most Stolen Cars
- Acura Integra (1990)
- Chevrolet 1500 Pickup – C/K Full Size (1992)
- Ford Mustang (2000)
- Honda Accord (1991)
- Honda Civic (1995)
- Nissan Sentra (1991)
- Saturn SL (1993)
- Toyota Camry (1989)
- Toyota Corolla (1987)
- Toyota Pickup (1988)
In just Los Angeles alone with a population consisting of 3,870,487 people, in 2007 there were:
- 19,629 cases of burglary
- 58,304 cases of theft
- 23,524 cars stolen
Something else to keep in mind is that Los Angeles is also known for expensive auto insurance compared to other areas across the state. $ 3,000 is the average yearly premium, while $ 1,800 is the state average.
Southern California state auto insurance – Liability Requirements
As with every state, insurance levels vary depending on location but no matter what, there are three fundamental components of liability coverage.
1. Bodily Injury Liability or BIL
This is what your insurance company pays per person injured in a vehicle accident when you are at fault. Nationally minimums range from $ 10,000 – $ 50,000. Note: California’s BIL is $15,000.
2. Total Bodily Injury Liability or Total BIL
This is the total of what will be paid out for all persons injured in the auto accident. National minimums are $ 20,000 – $ 100,000. Note: The minimum for California’s total BIL is $30,000.
3. Property Damage Liability or PDL
This insurance covers property damage that was sustained by the car accident. Physical damage includes:
- Vehicle damage
- Non-medical expenses
- Telephone poles
- Road sign damage, etc.
Nationwide minimums start at $ 5,000 and can go up to $ 25,000. Note: Here the minimum for California’s PDL is $15,000.
It is not uncommon to see vehicles worth more than $ 50,000 so when a car accident takes place, the damage is significant. While Southern California vehicle insurance only requires a ratio of 15/30/15, ask yourself if it is wise to stick with the minimum? No!
I suggest you pay a few dollars more (it won’t be substantial) to boost your liability coverage up to 100/300/100.
Nowadays, it is not unusual to see attorneys push for cases immediately. Getting extra coverage will protect yourself from being chased after unfairly. I strongly urge you to take it seriously.
Tidbit for thought:
Based on the most recent information available – California ranks 7th on the country’s most uninsured drivers list at 18%. Need to break that down? It is 1 in 5 drivers. It’s bad enough that CA state liability limits are grossly inadequate, it looks like you also need coverage for uninsured/underinsured motorists.
For more info, please click car insurance La Mesa.
